Hi sjm750.

That's a realy interesting question, by which I mean I think we'll need to wait and here what Mark, Shona or Kevin have got to say on the subject!

It doesn't make sense to base a trust deed payment on non-guaranteed income as it increases the risks of failure later. That's why many trust deed providers will create an arrangement whereby, for income like overtime and bonuses, the money is shared between the individual and the creditors. That means there is still an incentive to work hard to earn extra sums that will benefit all parties to the trust deed.

You should make your Trustee aware that this is a source of earnings, albeit an irregular one.

Hopefully something can be structured that gives you the chance to benefit to an extent for the hard work that generates any tips you receive.

Hi sjm750

Good point. The easiest way would be to try & calculate an average over a year and use that as a guide. That way a figure is agreed and achievable through the good and bad months.

It's not an exact science sometimes and relies on using the middle ground.

Mark